20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
Norwood Financial Corp (NWFL) operates in the BANKS - REGIONAL industry and is headquartered in Honesdale, United States with about 315 employees. Its market capitalization is roughly $388 million. In the fiscal year ended 2025-12-31, NWFL reported $136M in revenue and $28M in net income.
Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services in the United States.
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| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $144M | $136M | $101M | $104M | $86M | $79M | $66M | $54M | $50M | $46M | $37M | $32M | $33M | $34M | $35M | $33M | $30M | $32M | $32M | $33M | $30M |
| Gross Profit | $90M | $87M | $48M | $65M | $77M | $69M | $53M | $44M | $42M | $40M | $32M | $25M | $28M | $28M | $28M | $26M | $23M | $23M | $22M | $20M | $20M |
| Gross Margin % | 62.5% | 63.6% | 47.7% | 62.4% | 90.5% | 87.5% | 79.7% | 81.6% | 85.1% | 86.3% | 84.8% | 75.9% | 85.1% | 82.3% | 79.5% | 79.2% | 76.4% | 70.8% | 67.6% | 62.5% | 66.2% |
| Operating Income (EBIT) | $37M | $35M | $0M | $21M | $36M | $31M | $18M | $17M | $16M | $15M | $9M | $8M | $10M | $11M | $11M | $10M | $10M | $9M | $10M | $9M | $9M |
| Operating Margin % | 25.5% | 26.1% | -0.2% | 20.4% | 42.5% | 38.9% | 27.7% | 31.1% | 32.7% | 32.1% | 23.0% | 23.2% | 31.2% | 33.0% | 33.0% | 30.6% | 33.5% | 29.0% | 29.6% | 27.9% | 29.1% |
| Net Income | $29M | $28M | $0M | $17M | $29M | $25M | $15M | $14M | $14M | $8M | $7M | $6M | $8M | $8M | $8M | $7M | $7M | $7M | $7M | $7M | $6M |
| Net Margin % | 20.0% | 20.4% | -0.2% | 16.2% | 34.2% | 31.4% | 22.8% | 26.3% | 27.5% | 17.9% | 17.9% | 18.2% | 23.3% | 25.0% | 24.3% | 22.6% | 24.6% | 21.9% | 20.8% | 19.9% | 20.0% |
| EBITDA | $38M | $37M | $1M | $23M | $38M | $32M | $20M | $18M | $17M | $16M | $9M | $8M | $11M | $12M | $12M | $11M | $10M | $10M | $10M | $10M | $9M |
| Earnings Per Share (EPS) | $3.15 | $3.03 | $-0.02 | $2.07 | $3.58 | $3.04 | $2.09 | $2.24 | $2.17 | $1.31 | $1.15 | $1.07 | $1.40 | $1.55 | $1.55 | $1.45 | $1.60 | $1.55 | $1.46 | $1.39 | $1.25 |
| Shares Outstanding (M) | 9M | 9M | 8M | 8M | 8M | 8M | 7M | 6M | 6M | 6M | 6M | 6M | 5M | 5M | 5M | 5M | 5M | 5M | 5M | 5M | 5M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $43M | $31M | $36M | $35M | $33M | $32M | $12M | $31M |
| Gross Profit | $27M | $16M | $23M | $23M | $20M | $19M | ($3M) | $17M |
| Gross Margin % | 63.8% | 51.0% | 66.0% | 67.6% | 60.9% | 59.7% | -22.3% | 54.8% |
| Operating Income (EBIT) | $12M | $5M | $10M | $11M | $8M | $7M | ($16M) | $5M |
| Operating Margin % | 27.1% | 15.5% | 27.7% | 30.3% | 23.4% | 22.5% | -135.8% | 15.8% |
| Net Income | $9M | $4M | $7M | $8M | $6M | $6M | ($13M) | $4M |
| Net Margin % | 21.7% | 12.0% | 20.9% | 24.0% | 18.6% | 17.8% | -107.0% | 12.5% |
| EBITDA | $12M | $5M | $10M | $11M | $8M | $8M | ($16M) | $5M |
| Earnings Per Share (EPS) | $1.02 | $0.41 | $0.81 | $0.91 | $0.68 | $0.63 | $-1.54 | $0.48 |
| Shares Outstanding (M) | 9M | 9M | 9M | 9M | 9M | 9M | 8M | 8M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $33M | $34M | $23M | $30M | $31M | $29M | $14M | $18M | $17M | $16M | $11M | $10M | $11M | $13M | $11M | $11M | $9M | $6M | $7M | $4M | $13M |
| Capital Expenditures (CapEx) | $5M | $5M | $3M | $1M | $2M | $1M | $1M | $2M | $1M | $2M | $1M | $0M | $0M | $0M | $0M | $0M | $0M | $0M | $0M | $0M | $1M |
| Free Cash Flow (FCF) | $28M | $29M | $20M | $28M | $29M | $28M | $13M | $17M | $16M | $14M | $11M | $10M | $10M | $12M | $11M | $11M | $8M | $6M | $7M | $3M | $12M |
| FCF Margin % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividends Paid | $13M | $11M | $10M | $9M | $9M | $9M | $7M | $6M | $6M | $5M | $5M | $5M | $4M | $4M | $4M | $4M | $3M | $3M | $3M | $3M | $2M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $9M | $6M | $9M | $9M | $7M | $9M | $5M | $5M |
| Capital Expenditures (CapEx) | $0M | $0M | $1M | $3M | $2M | $1M | $1M | $1M |
| Free Cash Flow (FCF) | $8M | $6M | $8M | $7M | $5M | $8M | $3M | $4M |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $3M | $4M | $3M | $3M | $3M | $3M | $2M | $2M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.9B | $2.4B | $2.3B | $2.2B | $2.0B | $2.1B | $1.9B | $1.2B | $1.2B | $1.1B | $1.1B | $751M | $712M | $711M | $672M | $669M | $537M | $530M | $504M | $481M | $454M |
| Cash & Cash Equivalents | $60M | $44M | $72M | $66M | $32M | $207M | $112M | $15M | $18M | $17M | $17M | $10M | $12M | $8M | $12M | $21M | $14M | $14M | $6M | $9M | $10M |
| Total Liabilities | $2.6B | $2.2B | $2.1B | $2.0B | $1.9B | $1.9B | $1.7B | $1.1B | $1.1B | $1.0B | $1.0B | $650M | $613M | $619M | $580M | $581M | $469M | $465M | $446M | $425M | $402M |
| Total Debt (Short + Long-Term) | $66M | $74M | $195M | $168M | $173M | $91M | $106M | $119M | $105M | $78M | $65M | $94M | $41M | $74M | $46M | $66M | $53M | $64M | $81M | $45M | $36M |
| Total Shareholders' Equity | $290M | $242M | $214M | $181M | $167M | $205M | $195M | $137M | $122M | $116M | $111M | $101M | $99M | $92M | $92M | $88M | $68M | $64M | $59M | $56M | $52M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive NWFL viewer.
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